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 Not an expert either. The value of cash is always trending down, best to spend it immediately on bills, costs eyc, Bitcoin trends up, so it's a better store of value.
As far as spending, if you're going to buy, spend or pay bills anyway convert to Bitcoin and pay that way, Strike will let you pay from cash to Bitcoin. And small payments are easy with lightning. 
 Good advice. There's also Cake Pay if you use Cake Wallet, which allows you to buy digital gift cards from a lot of US vendors using Bitcoin, which is a pretty decent workaround. I just feel like we'll have a much better chance at getting more merchants on board with direct Bitcoin/Lightning payments if we (as a community) stopped treating BTC as if we're a bunch of dragons with our shiny gold.